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Best Factoring Companies

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Value

Immediate cash flow for your business with affordable rates and flexible terms.

Integrity

Business relationships with the highest ethical values and principles in the industry.

Professional care

Factoring services with the professional and personal care that you'll appreciate.

Proven track-record

Factoring companies come and go, but these companies have stood the test of time.

Quality service

These factoring companies strive for excellence and deliver quality service to customers.

Passion

People that love helping you and your business succeed and grow to the next level.

Best Factoring Companies

FSW Funding is a Phoenix, AZ factoring company.

FSW Funding
Phoenix, Arizona
Robyn Barrett of FSW Funding
Robyn Barrett
Managing Member

Award-winning Company Reviews

CapitalPlus Construction Services

Club Rating
4/5

Club Rating

5/5

The FactoringClub rating (“Club Rating”) is independently scored by FactoringClub, based on information provided by our sponsors. The Club Rating is a composite score from 1 to 5 that is calculated based on standard contract terms including startup fees, contract length, minimum fees and invoice selectivity. The rating also reflects our sponsors’ level of communication, responsiveness and integrity with FactoringClub.

Sponsors, if you have a question or concern about your company’s Club Rating, please contact FactoringClub at 866-748-7111.

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We are a construction factoring company based in Knoxville, Tennessee that’s been serving the construction industry since 1998. We have over 85 years of combined experience in factoring, asset-based lending, financial services, equipment leasing, project management and construction operations. CapitalPlus provides factoring services to general contractors and subcontractors across all trades.

We handle all billing methods including pay when paid and progress billing contracts. We assist contractors by providing back office support services that include payment processing, lien rights compliance, risk management and obtaining lien releases from subs and suppliers. We monitor your contracts and assist in obtaining the releases needed for maintaining compliance. We operate much like an accounts receivable department. We’ll pay your subs and suppliers, as well as help you manage the financial aspects of your projects.

CapitalPlus provides these construction factoring benefits:

  • All-inclusive factoring fee.
  • No long-term contracts.
  • No monthly minimums and no penalties for non-usage.
  • No upfront fees, no wire fees, no hidden fees and no interest charges.

Our construction factoring services gives you immediate access to cash, so you can pay creditors promptly, meet payroll, maintain overhead expenses, pay taxes or compete for larger jobs. Our unique blend of financial services and system support allows you to focus on your construction projects without worrying about cash flow.

CapitalPlus is a Knoxville, TN construction factoring company.
2510 Solway Road, Knoxville, TN
Year founded: 2000
No. employees: 11-50
Associations:

IFA, American Subcontractors Association, American Society of Concrete Contractors

Industries we serve
Credit lines
$50,000 - $5,000,000
Request a quote

Mazon Associates

Club Rating
5/5

Club Rating

5/5

The FactoringClub rating (“Club Rating”) is independently scored by FactoringClub, based on information provided by our sponsors. The Club Rating is a composite score from 1 to 5 that is calculated based on standard contract terms including startup fees, contract length, minimum fees and invoice selectivity. The rating also reflects our sponsors’ level of communication, responsiveness and integrity with FactoringClub.

Sponsors, if you have a question or concern about your company’s Club Rating, please contact FactoringClub at 866-748-7111.

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We are a Dallas factoring company and one of the oldest family-owned factoring companies in the United States. Since 1976, we have provided professional invoice factoring services to thousands of clients.

Our clients range in size from one person to several hundred employees. Our clients’ annual sales range from $50,000 to $15 million. We work with most industries including oil and gas, staffing, telecommunications, manufacturing, business services and many more.

Mazon provides these invoice factoring benefits:

  • Approvals within 3 to 5 days
  • Once set-up, we provide same day funding
  • No application or setup fees
  • Month-to-month contracts, no cancellation fees

Our business is to help you grow your business. We strive to provide a professional and friendly service with integrity.

Mazon Associates is a Dallas, TX factoring company.
800 West Airport Freeway, Irving, TX 75062
Year founded: 1976
No. employees: 11-50
Associations:

IFA, SFNet, BBB

Industries we serve
• • •
Credit lines
$10,000 - $3,000,000
Request a quote

Orange Commercial Credit

Club Rating
5/5

Club Rating

5/5

The FactoringClub rating (“Club Rating”) is independently scored by FactoringClub, based on information provided by our sponsors. The Club Rating is a composite score from 1 to 5 that is calculated based on standard contract terms including startup fees, contract length, minimum fees and invoice selectivity. The rating also reflects our sponsors’ level of communication, responsiveness and integrity with FactoringClub.

Sponsors, if you have a question or concern about your company’s Club Rating, please contact FactoringClub at 866-748-7111.

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Orange Commercial Credit (OCC) is a factoring company in the Seattle area that began providing accounts receivable factoring services in 1979. OCC works with companies all across the nation in most industries, including apparel, manufacturing and distribution, transportation, oil and gas, staffing and more.

Our advance rates (the percent of the invoice amount you receive upfront) is much higher than the industry average of 70-90%. We are completely transparent when it comes to our fees. When you apply, you get a no obligation proposal regarding your fees.

OCC provides these invoice factoring benefits:

  • No application or start-up fees
  • Advance rates of 90-100%
  • No monthly minimums
  • Short-term 90 day contract

You get a dedicated account executive who knows you and your business intimately, and who can immediately respond to your questions and concerns. Your account executive alerts you to any collection issues and sends friendly reminder notices on your behalf if necessary, until payment is received. We handle your invoices as if we were your own in-house credit and collections department.

We have the very best technology available in the factoring industry. Our business credit services help you detect trends so that could possibly hurt your business. You also have 24/7 access to your account with electronic submission of invoices, online reports and online credit checking.

Since 1979, we’ve been committed to offering the most effective and flexible factoring services in the industry. Our team has a deep knowledge and expertise in business finance, so you can rest assured you’re not wasting your time and money. We guarantee you won’t find a better factor to help you grow your business!

Orange Commercial Credit is a Seattle factoring company.
2415 Heritage CT SW, Olympia, WA 98502
Year founded: 1979
No. employees: 11-50
Associations:

IFA

Industries we serve
• • • •
Credit lines
$10,000 - $3,000,000
Request a quote

Crown Financial

Club Rating
5/5

Club Rating

5/5

The FactoringClub rating (“Club Rating”) is independently scored by FactoringClub, based on information provided by our sponsors. The Club Rating is a composite score from 1 to 5 that is calculated based on standard contract terms including startup fees, contract length, minimum fees and invoice selectivity. The rating also reflects our sponsors’ level of communication, responsiveness and integrity with FactoringClub.

Sponsors, if you have a question or concern about your company’s Club Rating, please contact FactoringClub at 866-748-7111.

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We are a family-owned factoring company in Houston, Texas that’s been operating since 2000. We provide working capital for expanding businesses, turn-around situations, and normal cash flow shortages. Our clients vary from small entrepreneurs to major corporations.

We work with a broad range of industries including staffing, construction, and oilfield services. We work with many large companies in the oil and gas industry. Our factoring agreements give you the freedom and flexibility to maintain your customer relationships with confidence and trust.

Crown Financial provides these invoice factoring benefits:

  • Credit limits up to $25 MM.
  • No-term contracts.
  • Low rates.
  • No minimums.

Our business is build on long-term relationships. We are family-owned and we make decisions quickly. If you’re business growth needs working capital or you’re traditional financing isn’t flexible for needs, then call the professionals at Crown Financial.

Crown Financial is a Houston factoring company.
16420 Park Ten Place, Ste 125 Houston, Texas 77084
Year founded: 2000
No. employees: 2-10
Industries we serve
• • •
Credit lines
$50,000 - $25,000,000
Request a quote

FSW Funding

Club Rating
5/5

Club Rating

5/5

The FactoringClub rating (“Club Rating”) is independently scored by FactoringClub, based on information provided by our sponsors. The Club Rating is a composite score from 1 to 5 that is calculated based on standard contract terms including startup fees, contract length, minimum fees and invoice selectivity. The rating also reflects our sponsors’ level of communication, responsiveness and integrity with FactoringClub.

Sponsors, if you have a question or concern about your company’s Club Rating, please contact FactoringClub at 866-748-7111.

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We are a Phoenix factoring company that was founded in 2001 to offer flexible and affordable invoice factoring services to small businesses. Since that time, we have grown into a successful company with annual factoring volumes over $100 million.

We look for companies with good management and give you the resources to grow. We believe it is our combination of financial flexibility and personalized service which sets us apart from other factors and puts us in a class by our-self.

FSW offers these invoice factoring benefits:

  • Simple application process
  • Quick approvals
  • Same day funding
  • Factor only the invoices you want
  • No minimums
  • No long term contract
  • Online, real-time reporting

We provide a personalized one-on-one relationship service to you. You have immediate access to a decision maker because we understand your needs and give you a peace of mind.

FSW Funding is a Phoenix, AZ factoring company.
4530 E. Shea Blvd., Phoenix, AZ 85028
Year founded: 2001
No. employees: 11-50
Associations:

IFA, SFNet, ACG, TMA, BBB

Industries we serve
• •
Credit lines
$50,000 - $3,000,000
Request a quote

SouthStar Capital

Club Rating
3/5

Club Rating

5/5

The FactoringClub rating (“Club Rating”) is independently scored by FactoringClub, based on information provided by our sponsors. The Club Rating is a composite score from 1 to 5 that is calculated based on standard contract terms including startup fees, contract length, minimum fees and invoice selectivity. The rating also reflects our sponsors’ level of communication, responsiveness and integrity with FactoringClub.

Sponsors, if you have a question or concern about your company’s Club Rating, please contact FactoringClub at 866-748-7111.

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SouthStar Capital is a factoring company in South Carolina that knows the importance of delivering working capital solutions in a fast and timely manner. We ensure your working capital needs are met whether you need invoice factoring, accounts receivable financing, asset-based lending, or purchase order financing.

SouthStar Capital has a team of sales and operations personnel dedicated to government contract financing for prime and sub-contractors. Our government factoring services are based on the creditworthiness of the United States government and provides the growth capital needed to fund task orders, as well as any other capital needs for contract completion.

SouthStar provides these invoice factoring benefits:

  • Simple one page application
  • Initial funding in 3 to 5 days
  • 24 hour funding
  • No monthly minimums

Our executive management team has accumulated many years of financial services expertise that allows us to understand your needs as a business owner. Our team of business development officers will meet with you at your convenience. We are so committed to your success that we make ourselves available to you 24 hours a day, 7 days a week. We respond quickly to all requests and continue to grow with you as your business grows.

SouthStar Capital is a Charleston, SC factoring company.
840 Lowcountry Blvd., Mt Pleasant, SC 29464
Year founded: 2008
No. employees: 11-50
Associations:

IFA

Industries we serve
• • • • •
Credit lines
$50,000 - $5,000,000
Request a quote

“Our award-winning factoring companies represent the cream of the crop. Great terms, solid customer service and outstanding leadership.”

Rick Hultz, FactoringClub
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Accounts receivable factoring for your business

Avoid the trade credit cash flow problem

Invoice factoring, or accounts receivable factoring, solves the cash flow problem caused by your customers’ trade credit terms. Trade credit is a business-to-business (B2B) agreement in which your customer purchases goods or services on account without paying you up-front.

Credit terms are typically 30 days or more, depending on your industry and customer. Factoring companies advance you cash for your new invoices, so you don’t have to wait for 30, 45 or 60+ days to receive your hard-earned cash.

Factoring rates as low as 1.5%, up to 5%

Factoring companies offer rates as low as 1.5% for businesses that factor millions in invoices each month from top-rated customers. Smaller businesses can generally expect to pay anywhere between 3% to 4% of the invoice amount depending on monthly factoring amount, invoice volume, and days outstanding.

Advance rates from 75% to 90%

Factoring companies don’t advance the full amount of your invoices. They hold a reserve as an allowance for any unexpected bad debts or short-falls. Advance rates are typically 75% to 90%.

Contract terms range anywhere from one month to 2 years, with some factoring companies offering a no-term contract that lets you cancel at any time.

Non-recourse factoring – credit safety

Many factoring companies offer non-recourse factoring which is a credit guarantee that protects you if your customer doesn’t pay. Non-recourse factoring usually costs more than recourse, but it may be worth the insurance. Non-recourse only applies to losses resulting from credit issues such as insolvency or bankruptcy. No matter the recourse option, you’re always liable for disputes, faulty goods or incorrect billing.

How accounts receivable factoring works for you

  1. After completing your sale or service, you send your invoice to the factoring company.
  2. The factoring company verifies the invoice is correct.
  3. The factoring company funds your bank account, often the same day.
  4. The factoring company collects the accounts receivable from your customer.
  5. The factoring company sends you the reserve as final payment.
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